Toyota RAV4 Hybrid Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Toyota RAV4 Hybrid are $1,198 a year with full coverage. Comprehensive costs around $250 each year, collision costs $424, and liability coverage costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers costing around $2,584. Teens receive the highest rates at $4,498 a year or more.
Average premium for full coverage: $1,198
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and RAV4 Hybrid models.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $434 for the bare minimum liability coverage to a high rate of $2,584 for a high-risk insurance policy.
Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why all drivers should compare rates for a specific zip code and risk profile, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details estimated Toyota RAV4 Hybrid insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $694
- Drivers who choose higher $1,000 deductibles will pay about $154 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,198
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,492
- High-risk insureds with serious driving violations could pay at least $2,584 or more
- The cost for full coverage for a teenage driver can be $4,498 a year
Auto insurance rates for a Toyota RAV4 Hybrid can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $4,400 a year. View Rates by Age
Where you live makes a big difference in Toyota RAV4 Hybrid insurance rates. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,610 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,080 | -$118 | -9.8% |
Alaska | $916 | -$282 | -23.5% |
Arizona | $994 | -$204 | -17.0% |
Arkansas | $1,198 | -$0 | 0.0% |
California | $1,362 | $164 | 13.7% |
Colorado | $1,140 | -$58 | -4.8% |
Connecticut | $1,226 | $28 | 2.3% |
Delaware | $1,350 | $152 | 12.7% |
Florida | $1,492 | $294 | 24.5% |
Georgia | $1,104 | -$94 | -7.8% |
Hawaii | $860 | -$338 | -28.2% |
Idaho | $810 | -$388 | -32.4% |
Illinois | $890 | -$308 | -25.7% |
Indiana | $902 | -$296 | -24.7% |
Iowa | $806 | -$392 | -32.7% |
Kansas | $1,134 | -$64 | -5.3% |
Kentucky | $1,630 | $432 | 36.1% |
Louisiana | $1,770 | $572 | 47.7% |
Maine | $738 | -$460 | -38.4% |
Maryland | $988 | -$210 | -17.5% |
Massachusetts | $954 | -$244 | -20.4% |
Michigan | $2,076 | $878 | 73.3% |
Minnesota | $1,000 | -$198 | -16.5% |
Mississippi | $1,430 | $232 | 19.4% |
Missouri | $1,062 | -$136 | -11.4% |
Montana | $1,282 | $84 | 7.0% |
Nebraska | $942 | -$256 | -21.4% |
Nevada | $1,434 | $236 | 19.7% |
New Hampshire | $864 | -$334 | -27.9% |
New Jersey | $1,334 | $136 | 11.4% |
New Mexico | $1,054 | -$144 | -12.0% |
New York | $1,258 | $60 | 5.0% |
North Carolina | $688 | -$510 | -42.6% |
North Dakota | $978 | -$220 | -18.4% |
Ohio | $824 | -$374 | -31.2% |
Oklahoma | $1,226 | $28 | 2.3% |
Oregon | $1,094 | -$104 | -8.7% |
Pennsylvania | $1,140 | -$58 | -4.8% |
Rhode Island | $1,592 | $394 | 32.9% |
South Carolina | $1,084 | -$114 | -9.5% |
South Dakota | $1,008 | -$190 | -15.9% |
Tennessee | $1,044 | -$154 | -12.9% |
Texas | $1,440 | $242 | 20.2% |
Utah | $884 | -$314 | -26.2% |
Vermont | $816 | -$382 | -31.9% |
Virginia | $716 | -$482 | -40.2% |
Washington | $920 | -$278 | -23.2% |
West Virginia | $1,096 | -$102 | -8.5% |
Wisconsin | $824 | -$374 | -31.2% |
Wyoming | $1,062 | -$136 | -11.4% |
Choosing higher comprehensive and collision insurance deductibles could save up to $450 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every company calculates rates differently, and quoted rates can be significantly different from one company to the next.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Toyota RAV4 Hybrid | $320 | $542 | $332 | $1,330 |
2023 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
2022 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
2021 Toyota RAV4 Hybrid | $286 | $502 | $364 | $1,288 |
2019 Toyota RAV4 Hybrid | $260 | $450 | $384 | $1,230 |
2018 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
2017 Toyota RAV4 Hybrid | $240 | $380 | $390 | $1,146 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Toyota RAV4 Hybrid Insurance
Saving money on auto insurance not only requires being a good driver, but also having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least every other year by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following list is a brief recap of the car insurance concepts covered in the above illustrations.
- Drivers who tend to receive serious violations pay an average of $1,390 more every year than a safer driver
- You may be able to save up to $140 per year simply by quoting online in advance
- Increasing deductibles can save around $450 each year
- Consumers who may need an increased level of liability coverage will pay approximately $430 every year to go from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,498 |
20 | $2,748 |
30 | $1,242 |
40 | $1,198 |
50 | $1,094 |
60 | $1,074 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,492 |
$250 | $1,354 |
$500 | $1,198 |
$1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,198 |
50/100 | $1,276 |
100/300 | $1,373 |
250/500 | $1,625 |
100 CSL | $1,314 |
300 CSL | $1,528 |
500 CSL | $1,683 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,410 |
20 | $4,376 |
30 | $2,634 |
40 | $2,584 |
50 | $2,464 |
60 | $2,442 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $64 |
Multi-vehicle | $63 |
Homeowner | $18 |
5-yr Accident Free | $86 |
5-yr Claim Free | $77 |
Paid in Full/EFT | $53 |
Advance Quote | $58 |
Online Quote | $85 |
Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area